Hong Kong
activeNeobank
- HQ
- Hong Kong
- Fee
- Personal fees often waived — confirm live
Ant Bank
HKMA virtual bank. Ant International. AlipayHK is distribution, DPS is the bank.
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7.3Solid
AlternativesFive questions
At a glance
Is it a bank?
Yes — Virtual / digital bank — Ant Bank (Hong Kong) Limited (HKMA). Still read the entity on the statement.
If it fails?
Hong Kong DPS up to HK$800,000 per depositor per bank
Salary?
Not listed. An IBAN or sort code is not automatically a salary account.
Open from abroad?
Residency and KYC are gated. An App Store listing is not proof you can onboard.
Monthly fee
Digital-bank SKU — confirm live
Account number
No IBAN-class local rail on this file.
NeoBankDB Verdict
Licence first · score second
7.3
/10 · Solid
Ant Bank (Hong Kong) is an HKMA virtual bank. AlipayHK is how people find it. DPS is how deposits come back. Airstar is the Xiaomi-shaped peer. Neither is a stored-value facility.
What it is
Ant Bank (Hong Kong) Limited launched in 2020, wholly owned by Ant International. Official partner of AlipayHK. Member of the Deposit Protection Scheme. The bank and the wallet are different legal objects — this desk will keep saying that.
Best for: Hong Kong residents already in AlipayHK who want a DPS bank, not a wallet.
Last checked 2026-08-28. Not advice.
What it does well
- +HKMA bank
- +DPS HK$800k
- +AlipayHK distribution
- +USD sleeve
What to watch
- −HK residency
- −Ant parent is not the deposit
- −Not a UK/EU IBAN
- −Wallet users confuse Alipay with the bank
Who holds the money
The account
- Platforms
- iOS · Android
- Account types
- HKD + USD savings
- Partner bank
- Ant Bank (Hong Kong) Limited
- Minimum balance
- HK$0
- Lowest monthly fee
- Digital-bank SKU — confirm live
- Who can open
- Hong Kong residents
- Availability
- Hong Kong
How money actually moves
- Who holds the cash
- Bank balance
- How money moves
- In-app ledger
- Built for
- Personal
- Settlement
- App-ledger instant; bank rails per corridor
- Freeze risk
- Bank-grade; still not freeze-proof
- Card
- Ant Bank lists a physical card and a virtual card on visa, plus Apple Pay and Google Pay. Confirm the live product in the app — a card is not a current account.
Licence first
Safety
Hong Kong DPS up to HK$800,000 per depositor per bank
Who holds the money: Ant Bank (Hong Kong) Limited
- HKMAVirtual / digital bank — Ant Bank (Hong Kong) Limited · Hong Kong
Fees
- Monthly
- Digital-bank SKU — confirm live
- FX markup
- HKD/USD dual savings; spread still exists
- ATM
- Network schedule
- Interest
- eM+ daily interest pitch — rates move
Features
- –IBAN
- –Fee-free core
- –Multi-currency
- ✓Apple Pay
- ✓Google Pay
- ✓Virtual card
- ✓Physical card
- –Metal card
- –Crypto
- –Stocks
- –Business
- –Kids
- –Halal
- HKD + USD savings
- FPS / CHATS
- AlipayHK integration
- Funds from small tickets
- HKMA bank
Score
- Safety25%
- 8.2
- Fees20%
- 7.6
- Features15%
- 7.6
- App15%
- 7.8
- Global15%
- 5.4
- Support10%
- 6.4
Change log
Full logLicence
Ant Bank (Hong Kong) Limited — HKMA virtual bank
AlipayHK is distribution. DPS is the deposit. The wallet and the bank are different legal objects.
Available in
Straight answers
FAQ
01Is Ant Bank a bank?
Ant Bank holds a banking-style licence (HKMA). Still read the legal entity on the statement, not the app icon.
02How is money protected?
Hong Kong DPS up to HK$800,000 per depositor per bank
03Where is Ant Bank available?
We list 1 market on NeoBankDB. Residency and onboarding rules still sit with Ant Bank.
04Card and wallets?
Ant Bank lists a physical card and a virtual card on visa, plus Apple Pay and Google Pay. Confirm the live product in the app — a card is not a current account.
05Can I open Ant Bank remotely?
Residency and KYC are gated. An App Store listing is not proof you can onboard from your country.
Ratings and reviews
No published user reviews yet. The NeoBankDB score still comes from licence, fees, and the product — not from an empty star average.
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